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Enjoy zero fees. Enjoy zero fees with the Shariah-compliant Saadiq credit card.
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  1. Credit Cards
  2. Saadiq Credit Card

Smart Saadiq credit card

This card is not available for new clients. If you have a Smart Saadiq credit card, find out more about your rewards and benefits on this page.

Smart Saadiq Card Benefits
  • Enjoy
    Buy 1 Get 1

    Free tickets on VOX & Reel3

  • Access
    1000+

    airport lounges in over 300 cities with 8 free visits per year*2

  • Pay
    No Fee

    On Annual Fee**, Late payment and Overlimit

Credit Card Features

Airport lounge access*²

Effective from 1st October 2024, it is mandatory to prebook your airport lounge visit by downloading the new Visa Airport Companion app. Find out more. Enjoy up to 8 complimentary visits for you and supplementary cardholders to over 1,000 lounges a year when you make at least 1 international purchase worth USD 1 with your Smart Saadiq credit card at least 15 days before you travel.

Have a Great Time at the Movies

Treat your loved ones to a free movie at VOX and Reel Cinemas with our Buy 1 Get 1 offers. All you have to do is meet the minimum spend criteria of AED3,000. Term and conditions apply3.

Access to more Entertainment*

Access to more Entertainment* Download the BookingBash application and get the Pro membership (worth up to AED499) as complimentary with your Smart Saadiq credit card, and avail of substantial discounts on theme parks, museums, cruises, and safaris to indoor activities, BookingBash is your gateway to a world of excitement.

Points-to-miles Like No Other

Transfer your Rewards Points to miles, including Emirates Skywards, Etihad Guest and more, as well as to hotel loyalty programmes. Read More
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Annual fee for new customers

AED 315 (first year free & after the first year and every year after that, your annual fee will be waived if you spend at least AED 2,000 in the previous 12 months.)

Annual Fee for Supplementary card(s)

Free (AED 157.50 from 5th card onwards)

Profit Rate- Retail

Profit Rate – Retail 3.69% per month***

Profit Rate – Cash 3.75% per month***

***You will be charged profit rate on the revolved amount.

Late Payment Fee

AED 0

Over Limit Fee

AED 0

Cash Advance Fee

AED 0

For more details on all other applicable fees and charges, please click here. Fees and charges are subject to change. All fees and charges listed are inclusive of 5% Value Added Tax (VAT), where applicable. ***You will be charged profit rate on the revolved amount.

It’s essential to follow your principles, and the Saadiq credit card is designed to stay true to your beliefs, no matter where you are.

According to the ‘Murabaha’ concept, which means a trade transaction, you will only be charged a profit rate on the amount that you carry forward to next month. This structure has been reviewed and approved by an independent Shariah Supervisory Committee, comprising of three of the world’s most renowned and respected scholars in the field of Islamic Banking.

Dr. Aznan Hasan – He is currently the President of the Association of Shariah Advisors in Islamic Finance (ASAS). He serves as a Shariah Advisor and Shariah Consultant to several international and local financial institutions, government bodies and corporations.

Sheikh Nizam Yaqubi – Holds highly respected positions on the Shariah Boards of many Islamic institutions worldwide.
Dr. Mohamed Ali Elgari – Expert at Islamic Jurisprudence Academy and as a Shariah Advisor to several Islamic financial institutions.

Compared to any other credit card rewards programme in the UAE, 360° Rewards lets you earn Rewards Points faster on the Standard Chartered Smart Saadiq Credit Card.

  • Starting 1 October 2024, your airport lounge benefits with your Visa credit card will only be accessible exclusively through the Visa Airport Companion (VAC) app and will replace the current process of accessing airport lounges by just presenting your physical credit card.
  • Download and register with your Standard Chartered credit card on the Visa Airport Companion app to check your lounge access eligibility and personal benefits.
  • First visit to the airport lounge in a calendar year is complimentary. To utilise the subsequent complimentary 7 visits in the same calendar year, a client needs to make a minimum international spend of USD 1 or equivalent.
  • To activate the remaining 7 subsequent visits, the international spend must be done 15 days before you travel, and automatically the (all) remaining visits access will be unlocked for the remaining calendar year period (January to December).
  • Any visit beyond the first complimentary visit, and if the spend criteria is not met, then the cardholder will be charged $32 per usage on the used card.
  • Any visits beyond the (total) 8 complimentary visits in the same year will be charged to your card.
  • The annual lounge visit entitlement and the requirement to meet the eligibility condition will reset from 1 January in subsequent years.
  • The benefit entitlement and spend condition is the same and apply on both primary and supplementary cards.
  • As part of the default option, any lounge visits outside Visa Lounge entitlement will need to be paid for by the Cardholder (Visit will be charged directly to the card by Visa).
  • Visa International reserves the right to modify or cancel any or all of these offers at any time and without notice.
  • Enjoy 2 ‘Buy 1 Get 1 Free’ movie experiences at VOX Cinemas when you book online or through the VOX Cinemas mobile app.
  • A maximum of 2 tickets per movie session (2D and 3D movie tickets) can be availed under this offer for Smart Saadiq credit card.
  • Ticket types available under this offer are 2D Standard, Premium View, MAX, Premium View (Mercato, Nation Towers, Nakheel), 2D MAX Atmos Premium View and 3D Standard, MAX Standard, Premium View, and MAX Premium View
  • Any movie experience not listed above is not eligible for the cinema ticket offer.
  • Minimum billing cycle spend of AED 3,000 is required on the Smart Saadiq Credit Card. Failing to meet the minimum spends, the cardholder will be charged the value of the free cinema ticket(s) in the following month’s card statement.
  • Standard Chartered credit card holders can enjoy 50% off the second medium popcorn on purchase of one medium popcorn.
  • Card holders are required to present their purchased ticket and their Standard Chartered credit card at the relevant candy bar at the venue to avail the popcorn offer.
  • Seating is subject to availability and will be allocated to Standard Chartered credit card holders on first come first serve basis.
  • This offer is not valid in conjunction with any special promotion, private screening or premiere at VOX Cinemas.
  • Offer valid only in the United Arab Emirates.
  • Tickets purchased on the date are non-refundable and non-transferable.
  • Standard Chartered Bank reserves the right to terminate the offer without any prior notice.
  • For more information about your health and safety, please refer to the FAQs
  • Enjoy 1 ‘Buy 1 Get 1 Free’ movie experiences at Reel Cinemas when you book online or through the Reel Cinemas mobile app.
  • A maximum of 1 ticket (1 free) per movie session (Standard 2D and 3D, or Standard Plus 2D and 3D movie tickets) can be availed under this offer, on Smart Saadiq credit card.
  • Ticket types available under this offer are Standard 2D and 3D, or Standard Plus 2D and 3D.
  • Any movie experience not listed above is not eligible for the cinema ticket offer.
  • Minimum billing cycle spend of AED 3,000 is required on the Smart Saadiq Credit Card. Failing to meet the minimum spends, the cardholder will be charged the value of the free cinema ticket(s) in the following month’s card statement.
  • This Promotion is not valid for any other Reel Cinema experiences not explicitly mentioned above.
  • Seating is subject to availability and will be allocated to Standard Chartered credit card holders on first come first serve basis.
  • This offer is not valid in conjunction with any special promotion, private screening or premiere at Reel Cinemas.
  • Offer valid only in the United Arab Emirates.
  • Tickets purchased on the date are non-refundable and non-transferable.
  • Standard Chartered Bank reserves the right to terminate the offer without any prior notice.
  • The bank shall not be responsible for or held liable for any amount payable by the Cardholder to any third party arising out of the purchase, supply, quality, installation, use or otherwise of Rewards, or of any negligence, breach of statutory or other duty on the part of the Bank and/or the supplier.
  • Standard Chartered Bank is not responsible for the content, security, operation, or use of any Third-Party Sites (App) or the products or services that may be offered or obtained through them.
  • These terms and conditions are governed by the laws of the United Arab Emirates and any dispute will be subject to the exclusive jurisdiction of the court of United Arab Emirates.
  • Standard Chartered UAE is licensed by the Central Bank of the UAE

*Please refer to the terms and conditions for full offer details, including cover, conditions, limits and exclusions. Read More
  • Credit cards are issued at the sole discretion of the Bank and subject to the Bank’s approval criteria. Standard Chartered Bank is not responsible for the content, security, operation, or use of any Third Party Sites (app) or the products or services that may be offered or obtained through them. Applicable Third Party vendor fees/charges may incur VAT.
hot melted choclate poured on the muffin alongside raspberries signifying treats that one's get with saadiq credit card

THE GOOD LIFE PRIVILEGES

Discover 100+ offers and privileges with your credit card.

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A WORLD OF ZERO WORRIES

Enjoy exclusive privileges with Smart Saadiq credit card

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